Foreclosure is the cutting off or termination of a right to property to compel payment of a mortgage or other debt secured by a lien. As to real property, like a house or land, foreclosure is started because of non-payment of the debt and leads to the selling of the property to which the mortgage or lien is attached in order to satisfy that debt. Lawyers who assist with foreclosure issues help struggling homeowners consider their options -- both foreclosure and foreclosure alternatives -- and determine the best course of action. Foreclosure alternatives may include loan modification, short sale, forbearance, reinstatement, and repayment plans.
Cottage Grove is a city located 8 miles (12.5 km) south of Saint Paul in Washington County in the U.S. state of Minnesota. The city lies on the north bank of the Mississippi River, north of a backwash from the confluence with the Saint Croix River. Cottage Grove and nearby suburbs form the southeast portion of Minneapolis-Saint Paul, the sixteenth largest metropolitan area in the United States, with about 3.2 million residents. The U.S. Census Bureau estimated the city's population at 33,081 in 2007. The city is a bedroom community of Saint Paul and to a lesser extent Minneapolis linked by U.S. Routes 10 and 61. Once a rural township known for the state's first creameries and wheat production, the area was served by rail lines, river shipping, and grist mills. The primary settlers were from New England and left their architectural influence, which is preserved today. Formerly containing the railway station village of Langdon, the entire township incorporated into Cottage Grove in 1963. New Englander James Sullivan Norris, an early farmer, called his homestead Cottage Grove which was adopted by the town.